In 2010, 11 women from a village stepped out and formed a group called "Maa Santoshi SHG" in Odisha. They help each other and share their problems and solve the problems among them. They celebrate their festivals together in their village.

Minarani, in the picture the girl standing with raised hand, is the leader of the group. She lives with her parents and siblings. She has six goats. She purchases the goat kids from the market and takes care of them. She provides vaccines and fodder for them as they require. She sells them for meat to the local butcher shops when they are grown. It takes 8-9 months for her to grow them for sale. She goes out in the morning let the goats graze in the fields and returns by noon. Then she cooks for her family. She resumes taking care of her goats, feeding them at home. Her brother assists her in selling and maintaining these goats. In this way she is earning to control her cash flow, which however, is not sufficient to manage her daily activities.

She wants to enlarge her business, so she wants to purchase 10 more goats. In this way she can earn a good amount after all expenditures in her business.

She has requested a loan of 110,000 INR for her group, so that they can earn more and control their families' cash flow.

Additional Information

Important note about this loan

Due to Indian government regulations, if you fund this loan, you will not be repaid for at least 3 years. This borrower will likely repay your loan much sooner than that, in which case, the Field Partner may re-loan your funds to help other local borrowers. We want you to be aware of this minimum 3-year waiting period and the associated risks before making a loan to Indian borrowers on Kiva. Learn More >

About People's Forum

People’s Forum is a development organization based in Odisha, India that provides affordable loan products and support services to women. The organization distinguishes itself by reaching out to particularly marginalized groups, including leprosy-affected families, widows, single mothers, and disabled persons. People’s Forum will harness Kiva’s flexible, zero-interest capital to serve even more borrowers in one of the poorest regions of India.

This is a Group Loan

In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.

Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.